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select sum(i1.tiv_2016) from insurance i1
where i1.tiv_2015 in
(select t2.tiv_2015 from insurance i2
where i1.pid <> i2.pid)
and (i1.lat,i1.lon) not in
(select i3.lat,i3.lon from insurance i3
where i1.pid <> i3.pid);
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